Because the world is a ponzii scheme, where we don't pay people for their time but for the going market rate. If you keep a stable population and pay people ba

Because the world is a ponzii scheme, where we don't pay people for their time but for the going market rate. If you keep a stable population and pay people based upon life expectations * skill, no one would need a retirement account. But those with pull want to sit on their hands and do nothing, and throw around large sums of money, hence the ponzi scheme.